In Michigan, you have 2 statutes of limitations. For your claim for pain and suffering, you have 3 years from the date of the accident to file suit. You have the burden of proving the accident was the other guy's fault, and that your injury exceeds the statutory threshold of being a serious impairment of body function. You must report the accident to your own insurance company, and within one year of the accident, file an Application for No Fault Benefits. If you do that, then the insurance company is obligated to pay for all accident related treatment for the rest of your life. However, you must also promptly submit the bills to the insurance company, because if a bill has been submitted and not paid more than one year from the date of service, the insurance company no longer has to pay for that bill. So, if a bill is unpaid for more than 30 to 60 days, you need to sue the company lest you waive the bill.
Answered on Aug 31st, 2015 at 2:21 PM